Key Responsibilities:
- Assist in analysis of credit data, cases, policy deviations, and approval trends through Advance Excel and data modelling analysis.
- Support portfolio monitoring (DPD movement, early delinquency trends, vintage analysis).
- Conduct detailed analysis of credit reports, trends, delinquency patterns, and portfolio behaviour.
- Identify gaps, risks, and improvement areas in underwriting quality and credit decisions.
- Prepare MIS dashboards and actionable insights for senior management.
- Identify gaps or inefficiencies in existing reports or workflows.
- Suggest automation or simplification using Excel, SQL, or system reports
- Support implementation of new reports, dashboards, or system enhancements
- Work closely with regional and branch credit teams to provide guidance on complex cases.
- Collaborate with product, risk, and audit teams to align credit processes and guidelines.
- Support management in audits, reviews, and compliance initiatives.
- Help in preparing audit responses, process notes, and control documentation
- Maintain structured documentation for policies, reports, and trackers
Required Skills & Qualifications:
- Bachelors/Masters degree in Finance, Commerce, or related field.
- Understanding of (LAP/BL) credit processes, underwriting norms, and risk.
- Strong interpersonal and collaboration skills.
- Excellent communication and presentation skills.
- Proactive, structured, and process-driven.
- Strong analytical thinking and problem-solving capability.
- Knowledge of credit systems preferred.
- SQL will be preferable.
